It’s really sad that most people don’t understand financial basics. Consumer and commercial banking and lending practices should be taught in high school.
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My brother literally has no debt. House paid for. Cars bought with cash. Huge savings account. Has one credit card and pays it off whenever it is used. Credit score SUCKS. I have a mortgage, two car loans, and moderate credit debt my credit score is 820.
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He needs a record of payment history with more than 2 creditors.
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It’s a racket...
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Never use more then 1/3 of your available credit to maintain a high credit score.
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Credit score is a scam.
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*Sucker Score
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It also accounts for how often you pay late or charge off and never pay what you borrowed.
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I’m debt free and going to keep it that way.
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